The Vice President of Credit – USDA will serve as the senior credit authority for Peachtree Group's USDA OneRD lending platform. This individual will oversee the full credit lifecycle — from underwriting through closing — and will play a central role in shaping credit policy, managing risk, and driving the growth of the USDA lending business. The role requires deep, hands-on expertise in USDA OneRD programs and a demonstrated ability to lead cross-functional teams in a fast-paced lending environment.
Credit & Underwriting
- Lead the underwriting and credit approval process for USDA OneRD loan transactions, including Business & Industry (B&I), Community Facilities (CF), and Rural Energy for America Program (REAP) loans
- Conduct thorough credit analysis, including cash flow modeling, collateral evaluation, borrower financial assessment, and risk rating
- Author and present credit memoranda to senior leadership and credit committees
- Establish and maintain credit underwriting standards consistent with USDA program guidelines and internal risk appetite
Loan Closing & Execution
- Oversee the closing process for USDA OneRD transactions, coordinating with legal counsel, borrowers, and USDA agency contacts to ensure timely and compliant closings
- Review and approve loan documentation, conditions precedent, and closing checklists
- Manage relationships with USDA state and national offices throughout the approval and closing process
Portfolio & Risk Management
- Monitor the performance of the USDA loan portfolio, identifying emerging credit risks and recommending remediation strategies
- Ensure ongoing compliance with USDA program requirements, lender agreements, and internal credit policies
- Prepare and present portfolio reporting to senior management
Leadership & Team Development
- Manage and mentor a team of credit analysts and underwriters
- Collaborate with originations, legal, compliance, and asset management teams
- Contribute to the strategic development of the USDA lending platform, including process improvements and product expansion
QUALIFICATIONS
- Minimum 8–10 years of experience in USDA OneRD lending, with direct responsibility for credit underwriting, approval, and loan closing
- Deep familiarity with USDA OneRD programs (B&I, CF, REAP, or similar); working knowledge of USDA lender regulations, conditional commitments, and guarantee structures
- Strong financial modeling and credit analysis capabilities; experience presenting to credit committees
- Demonstrated experience managing underwriting or credit teams
- Bachelor's degree in Finance, Real Estate, Business, or a related field required; MBA or equivalent advanced degree preferred
- Excellent written and verbal communication skills; ability to manage relationships with government agencies, borrowers, and internal stakeholders
Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights (https://www.eeoc.gov/poster) notice from the Department of Labor.
